PIP (personal injury protection) provides coverage for injury to the named insured, resident relatives and

• A. Pedestrians struck by the insured vehicle
• B. Other drivers in the household
• C. Passengers in the insured vehicle
• D. Owners of the vehicle only

Answer: (A)

PIP is no-fault medical coverage in Maryland, designed to pay medical expenses for the named insured, residents of the same household, and other people who are injured by the insured vehicle regardless of who faulted the accident. A key point is that PIP can extend to bystanders who are hurt by the insured car, such as pedestrians who are struck by the insured vehicle. That category shows how PIP goes beyond just the driver and household members to cover others who suffer injuries in accidents caused by the insured vehicle.

So, when considering who else PIP can cover beyond the named insured and resident relatives, pedestrians struck by the insured vehicle is the fitting example because it demonstrates this broader protection for innocent bystanders. The other options involve people who aren’t the standard no-fault beneficiaries in this context (such as non-resident drivers in the household or owners of the vehicle only), and while passengers in the insured vehicle can be covered in many situations, the statement focusing on the bystander category best illustrates the extended reach of PIP.